What is the serious violation of the loan contract signed by the intermediary? The China Banking Regulatory Commission once again stressed yesterday that it is a serious violation to entrust an intermediary agency to sign a loan contract or collect a loan contract with a borrower. Banking financial institutions should seriously carry out self-examination, seriously investigate the responsibilities of relevant personnel, and properly handle the legal consequences arising therefrom. In this regard, the business manager of a loan guarantee company in Beijing said that the CBRC's move was mainly to prevent fake mortgages, but there are still a few banks that handle loan business for banks through intermediary companies. "The bank entrusts the loan business to an intermediary, which can attract more customers, and the intermediary company responsible for the agency can also charge a' commission' from it." The business manager said that this phenomenon is more common when the central bank implements loose monetary policy, and after the central bank tightened the bank loan quota, especially since this year, there are almost no cases in the market where intermediaries sign loan contracts with borrowers on behalf of banks. He revealed that it is a serious violation for banks to entrust intermediaries to sign loan contracts or collect loan contracts with borrowers, and "borrowers get bank loans through guarantee companies" is a relatively flexible way: borrowers pay a certain service fee and provide guarantees to banks through intermediaries, and they can also get considerable loans from banks by virtue of their own loan conditions. Due to the fierce competition of guarantee companies in the market, it is not excluded that some guarantee companies help borrowers muddle through and relax the examination conditions for borrowers without authorization in order to obtain business.